AXA AIA

Terms 5, 10, 15, 20, 25, 30 years or to certain age 5, 10 , 20, 30 years
Basic benefit Death benefit, terminal illness Death, terminal illness, terminal cancer
Guaranteed Yes Yes
renewability
Payment Annual, single payment upfront, limited pay terms (15 Annual
or 20 years)
Convertibility Yes Yes
Indexation Yes No
option
Riders TPD TPD
CI CI
Personal accident
Waiver of Premiums
Early CI
Currency SGD, USD, EUR, GBP or AUD
Exclusion sane or insane, dies by suicide within 1 year from the sane or insane, commits suicide within one
basic benefit Date of Issue of this Policy or the most recent date of year of the issue date or reinstatement date of
Reinstatement, or the effective date of any increase in the basic policy, whichever is later, unless
Sum Assured, whichever is later otherwise specified in any supplementary
unless any Pre-Existing Condition(s) are declared at agreements or endorsements, our liability shall
Application or Reinstatement and accepted by only be limited to the refund of the total
insurance premiums paid without interest
Where the symptoms of the Terminal Illness or
Terminal Cancer first occurred prior to the
issue date or reinstatement date of the basic
policy, subject to paragraph (iv) below,
whichever is later; ii. Where the diagnosis of
Terminal Illness or Terminal Cancer was made
within thirty (30) days following the issue date

Exclusion TPD a) arises from a Pre-existing Condition which was not
communicated to Insurance in writing before the Date
of Issue of this Rider or the last date of Reinstatement, and (ii) suicide or attempted suicide or
whichever is the later; b) has existed for less than six (6) intentional self-injury, and exposing oneself to
consecutive months; c) arises directly or indirectly out
of any attempted suicide or self-inflicted injuries while
sane or insane; d) was due to any airborne activity
other than travelling as a passenger or crew member
on board a licensed international airline on a regular
scheduled commercial route; e) was due to service in
the military, naval, air force or police during times of
war whether declared or undeclared, or f) arises from
an activity or medical condition specifically excluded by aerial device or conveyance (except where the
Insurance and endorsed in the Policy.
or reinstatement date of the basic policy,
whichever is later; iii. Where in our opinion,
the diagnosis of Terminal Illness or Terminal
Cancer of the Insured was directly or indirectly
due to Acquired Immunodeficiency Syndrome
(AIDS) or infection by any Human
Immunodeficiency Virus (HIV); or iv. Any pre-
existing illnesses, diseases, impairments or
conditions from which the Insured is suffering
prior to the issue date or reinstatement date,
whichever is later, unless the Insured makes a
declaration in the application or reinstatement
of the basic policy, and such application is
specifically accepted by us
deliberate acts that endanger oneself: (i)
violation or attempted violation of the law;
exceptional danger (except in an attempt to
save human life), whether sane or insane; (b)
engaging in or taking part in air, military or
naval service in time of declared or undeclared
war or while under order for warlike
operations or restoration of public order; or (c)
entering, operating, or servicing, riding in or
on, ascending or descending from or with any
Insured is in an aircraft operated by a
commercial passenger airline on a regular
scheduled passenger trip over its established
 passenger route or by the Republic of
Singapore Air Force)
Exclusion CI a) arises from a Pre-existing Condition which was not ) illnesses or surgical procedures other than a
communicated to Insurance in writing before the Date diagnosis of a condition, or performance of a
of Issue of this Rider or the last date of Reinstatement, surgical procedure under a Critical Illness in
whichever is the later; b) is Heart Attack of Specified this supplementary benefit; (b) pre-existing
Severity, Other Serious Coronary Artery Disease or illnesses, diseases, impairments or conditions
Major Cancers, and the Life Assured is diagnosed within from which the Insured is suffering prior to the
ninety (90) days from the Date of Issue or the last issue date or reinstatement date of this
Reinstatement Date of this Policy, whichever the later; supplementary benefit, whichever is later,
c) is an illness where a Registered Medical Practitioner unless a declaration was made in the
has recommended Coronary Artery Bypass Surgery, application for, or reinstatement of, this
Surgery to Aorta, Heart Valve Surgery and/or supplementary benefit and such application is
Angioplasty and Other Invasive Treatment for Coronary specifically accepted by us; (c) where the
Artery, and the Life Assured is diagnosed within ninety diagnosis of Fulminant Hepatitis or Major
(90) days from the Date of Issue or the last Cancers of the Insured was, in our opinion,
Reinstatement Date of this Policy, whichever the later; directly or indirectly due to an Acquired
d) arises directly or indirectly out of any attempted Immunodeficiency Syndrome (AIDS) or
suicide or self-inflicted injuries while sane or insane; e) infection by any Human Immunodeficiency
arises directly or indirectly from Acquired Immuno Virus (HIV); or (d) Severe Acute Respiratory
Deficiency Syndrome (AIDS), AIDS-related complex or Syndrome (SARS). However, the complications
infection by the Human Immunodeficiency Virus (HIV), of SARS may be admissible upon a diagnosis of
except as specified within the definition of AIDS as a End Stage Lung Disease subject to fulfillment
Critical Illness; or f) arises directly or indirectly from the of contract definition, diagnostic criteria and
use of drugs not prescribed by a Registered Medical specific evidence listed under End Stage Lung
Practitioner. Disease
TPD In the opinion of two (2) Registered Medical Before the policy anniversary occurring or 65th
conditions Practitioners approved by Insurance birthday, TPD means the Insured is not capable
the disability is continuous, expected to be permanent of doing or carrying out any work, occupation
and has lasted for at least six (6) months or profession, to earn or obtain any wages,
 becomes totally and permanently unable to perform at
least three (3) of the following six (6) “Activities of Daily
Living” even with the aid of special equipment, and
always require physical assistance of another person
throughout the physical activity for a continuous period
of at least six (6) months
Total and permanent loss of sight in both eyes; or
Physical loss or loss of use of any two (2) limbs; or Total
and permanent loss of sight in one (1) eye with physical
loss or loss of use of any one (1) limb.
Covered 37 illnesses
critical illness
CI limitation If the Life Assured is diagnosed with Angioplasty &
Other Invasive Treatment for Coronary Artery, the
amount of CI benefit payable will be 10% of the Sum
Assured of this Rider, subject to a maximum amount of
compensation or profit. Such disability must
continue uninterrupted for at least 6
consecutive months and there is no possibility
of improvement for an indefinite time. This is
not applicable to juvenile. From the policy
anniversary occurring or 65th birthday, TPD
means the Insured is not capable of
performing at least 2 of the following 6
Activities of Daily Living even with the aid of
special equipment, and always to require the
physical assistance of another person
throughout the entire activity. Such disability
must continue uninterrupted for at least 6
consecutive months and there is no possibility
of improvement for an indefinite time.
(i)total and irrecoverable loss of sight of both
eyes; or (ii) loss by complete severance or the
total and irrecoverable loss of use of 2 limbs at
or above the wrist or ankle; or (iii) total and
irrecoverable loss of sight of 1 eye; and a. loss
by complete severance of 1 limb at or above
the wrist or at or above the ankle; or b. total
and irrecoverable loss of use of 1 limb at or
above the wrist or at or above the ankle.
43 illnesses
We will not pay any benefits for Heart Attack
of Specified Severity, Major Cancers, Coronary
Artery By-pass Surgery, Angioplasty & Other
Invasive Treatment for Coronary Artery or
 S$25,000, less any outstanding premiums. In this case,
the Sum Assured of this Rider will be reduced
proportionately by the amount paid out and the
Premiums payable on this Rider will be adjusted
accordingly based on the reduced Sum Assured of this
Rider. If the Life Assured is diagnosed as having a CI
before the age of 1, the amount of CI benefit payable
will be 25% of the Sum Assured of this Rider, less any
outstanding premiums.
TPD limitation If the Life Assured suffers from TPD before the age of 1,
the amount of TPD Benefit payable will be 25% of the
Sum Assured of this Rider, less any outstanding
premiums. The maximum TPD benefits payable on the
Life Assured is as per limits below, inclusive of all other
policies issued by Us and other insurance companies, in
respect of the same Life Assured
Other Serious Coronary Artery Disease if the
date of diagnosis of the Heart Attack of
Specified Severity, Major Cancers, Other
Serious Coronary Artery Disease or the date of
diagnosis of any conditions leading to
performance of Coronary Artery By-pass
Surgery or Angioplasty & Other Invasive
Treatment for Coronary Artery to the Insured
was made within 90 days from the later of: (a)
the issue date of your basic policy or this
supplementary benefit, whichever is later; or
(b) the reinstatement date of your basic policy
or this supplementary benefit, whichever is
later.